31572 Pepper Tree St, Winchester, CA 92596 Property Records

Riverside County property record for 31572 Pepper Tree St, Winchester, CA 92596

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,009 sqft · built 2004
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$436,500 (Mar 2004)
Tax Bill	$7,402 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963-203-007`

Property Details

APN / Parcel Number

Primary APN	`963-203-007`
Alternative APN	`958434007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,009 sqft Living Area
Gross Area	3,665 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Tile
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	656 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	31572 PEPPER TREE ST
City	WINCHESTER
State	CA
Zip	92596-8839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.17 ACRES IN LOT 93 MB 305/093 TR 28914
Legal Subdivision	TRACT 28914
Legal Tract	28914
Legal Lot Number	93
Jurisdiction	RIVERSIDE CA
Township / Civil Division	MURRIETA
Census Block Group	1
Census Block	1006
Census Tract	43294

Owner

Source: Riverside County records, as of July 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	31572 PEPPER TREE ST, WINCHESTER, CA 92596-8839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jul 20, 2021	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Dec 4, 2020	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
May 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2004 · Amount on Record
Deed Sale	Mar 16, 2004 · Amount on Record
Deed Document Number	2004180075
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	31572 PEPPER TREE ST, WINCHESTER, CA 92596-8839
Transaction Type	Mortgage
Record Updated	Feb 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31572 PEPPER TREE ST, WINCHESTER, CA 92596-8839

Mortgage

Document Number	0000019427
Date	Jan 22, 2024
Instrument	2024-0019427

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Dec 1, 2033

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	31572 PEPPER TREE ST, WINCHESTER, CA 92596-8839
Transaction Type	Mortgage
Record Updated	Aug 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31572 PEPPER TREE ST, WINCHESTER, CA 92596-8839

Mortgage

Document Number	0000434468
Date	Jul 20, 2021
Instrument	2021-0434468

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	31572 PEPPER TREE ST, WINCHESTER, CA 92596-8839
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31572 PEPPER TREE ST, WINCHESTER, CA 92596-8839

Mortgage

Document Number	0000616002
Date	Dec 4, 2020
Instrument	2020-0616002

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RIVERSIDE CA
Property Address	31572 PEPPER TREE ST, WINCHESTER, CA 92596-8839
Document Number	0000355391
Instrument Date	May 30, 2018
Transaction Type	Mortgage
Record Updated	Sep 14, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31572 PEPPER TREE ST MENIFEE CA 925968839, MENIFEE, CA 92596-8839

Mortgage

Document Number	0000355391
Date	Sep 5, 2018
Instrument	355391

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 4, 2033

Tax Assessment & Valuation

Source: Riverside County assessment roll, as of July 29, 2026

Property Jurisdictions

Type	Name
State	California
County	Riverside County
Unified School District	Temecula Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$641,386 (+2%) Land $101,499 Building $539,887
2025	$7,402.00 (+2.58%)	$628,810 (+4.04%) Land $99,509 Building $529,301
2023	$7,216.00 (+4.02%)	$604,395 Land $95,646 Building $508,749
2022	$6,937.00
2021			$644,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EASTERN MUNICIPAL WD serves 659,923 people · EPA ID CA3310009
Water Source	Purchased surface water from several systems
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 498 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Accel Wireless.

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